“高保高赔”抑或“高保低赔”?——机动车旧车新保矛盾的解决  

“High Insurance High Pay”or“High Insurance Low Pay”——Solutions to the Issue of Paying Insurance for the Used Car as High as New Ones

作　　者：梁鹏[1] 姚亦昭 

机构地区：[1]中国青年政治学院,北京100089

出　　处：《乐山师范学院学报》2016年第7期101-106,共6页Journal of Leshan Normal University

摘　　要：在旧车新保案件中,法院的判决存在矛盾,部分法院认为"高保"便应"高赔",另一部分法院则认为"高保"亦应"低赔"。"高保高赔"的理由有诚实信用理论,合理期待理论和不利解释理论,但这些理论均难以立足。因财产保险中应遵循损失补偿原则,又基于超额保险理论和道德危险防范理论,"高保低赔"的理论是正确的,但是,保险人应返还多收的保费。In the cas e of paying insurance for the used car as high as new ones,the court judgment exists contradictions. Some courts believe that if the policy holder pays insurance for the used car as high as new cars,then the insurer should pay insurance money as high as new cars. But the other courts believed that if the policy holder pays the insurance for the used car as high as new cars,they should obtain low pay from insurance. The three reasons for＂high insurance high pay ＂include the theory of good faith,of legitimate expectations and of disadvantageous explanations. But all these theories are rather unconvincing. Because of the principle of indemnification for loss in property insurance and on the basis of the excess insurance theory and prevention theory of moral hazard,though the theory of＂high insurance high pay＂is correct,the insurance company should return the extra insurance premium that they have taken before.

关 键 词：“高保低赔” “高保高赔” 损失补偿原则 超额保险 道德风险 

分 类 号：D913.99[政治法律—民商法学]